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Find your lost pensions

For many, a job for life is a thing of the past. Most of us can expect to have multiple employers through our working lives, and it’s probable that most of those employers will automatically enrol us into a new pension. So it’s perhaps unsurprising that many people lose track of some of their pensions.

Indeed, it’s been estimated that there may be an incredible 1.6 million homeless pension pots in the UK, holding a whopping £20 billion of savings. That’s an average of nearly £13,000 per lost pot 1.

If you think you may have lost track of a pension pot, you shouldn’t worry. There’s a free government agency here to help. It’s called the Pensions Tracing Service.

The service will help you track down the current custodian of your pensions as, in some cases, a former employer or pension provider may have long since disappeared and management of the pension may have been taken over by another employer or pension provider.

You can find the official Pension Tracing Service at www.gov.uk/find-lost-pension.

This is a free government service. There are companies out there who also do this, some may charge a fee.

Once you know who the current custodian of your pension is, you can write to them to get an up-to-date valuation. Simple.

And, obviously, remember to ask them to update your contact details so you receive regular updates in the future.